Firm Description Hilton Head Financial Advisors, Inc. was founded in 1981. Its office is located at 3600 Main Street, Suite 200 Hilton Head, SC 29926. Its hours of operation are M-F 8:30 a.m. – 5:00 p.m. Hilton Head Financial Advisors, Inc. provides personalized confidential financial planning and investment management to individuals, pension and profit sharing plans, trusts, estates, and small businesses. Advice is provided through consultation with the client and may include: determination of financial objectives, identification of financial problems, cash flow management, tax planning, insurance review, investment management, education funding, retirement planning, and estate planning. Hilton Head Financial Advisors, inc. is strictly a fee-only financial planning and investment management firm. The firm does not sell annuities, insurance, stocks, bonds, mutual funds, limited partnerships, or other commissioned products. The firm is not affiliated with entities that sell financial products or securities. No commissions in any form are accepted. No finder’s fees are accepted. Investment advice is provided, with the client making the final decision on investment selection. Hilton Head Financial Advisors, Inc. does not act as a custodian of client assets. The client always maintains asset control. Hilton Head Financial Advisors, Inc. may place trades for clients and if so, the authority is given by a limited power of attorney signed by the client. A written evaluation of each client's situation may be provided to the client by a series of letters, emails or meetings which incorporate their financial situation, estate planning and other areas deemed necessary to be addressed for proper financial planning. Periodic reviews are also communicated to provide reminders of the specific courses of action that may need to be taken. More frequent reviews occur but are not necessarily communicated to the client unless immediate changes are recommended. Other professionals (e.g., lawyers, accountants, insurance agents, etc.) are engaged directly by the client or by the advisor with client approval. Conflicts of interest will be disclosed to the client and managed in the best interest of the client. Principal Owners Nathaniel B.P. Jones is 100% stockholder. Types of Advisory Services Hilton Head Financial Advisors, Inc. performs the following services – (1) investment supervisory services, also known as asset management services; (2) monitors accounts not involving investment supervisory services; (3) furnishes investment advice through consultations; and (4) furnishes advice to clients on matters not involving securities, such as financial planning matters, taxation issues, and trust services that often include estate planning. As of December 31, 2023, Hilton Head Financial Advisors, Inc. managed approximately $283,328,043 in assets for approximately 166 clients. Approximately $274,666,037 is managed on a discretionary basis, and $8,662,006 is managed on a non-discretionary basis. Tailored Relationships The investment goals and objectives for each client are documented in our investment policy statement. Clients may impose restrictions on investing in certain securities or types of securities. Client agreements may not be assigned without client consent. Types of Advisory Services The following services define the typical client relationships: Comprehensive Financial Planning Investment Management Comprehensive Financial Planning A financial plan is designed to help the client with all aspects of financial planning. The financial plan may include, but is not limited to: a net worth statement; a cash flow statement; a review of investment accounts, including reviewing asset allocation and providing repositioning recommendations; strategic tax planning; a review of retirement accounts and plans including recommendations; a review of insurance policies and recommendations for changes, if necessary; one or more retirement scenarios; estate planning review and recommendations; and education planning with funding recommendations. Detailed investment advice and specific

recommendations are generally provided as part of a financial plan. Implementation of the recommendations is at the discretion of the client. The fee for a financial plan is based on hours involved by the financial advisor. In the event that the client’s situation is substantially different than disclosed at the initial meeting, additional hours will be billed at the standard hourly rate. The current hourly fee for the financial advisor is $275.00 per hour. Investment Management Many clients choose to have Hilton Head Financial Advisors, Inc. manage their investment assets in order to obtain ongoing in-depth advice and life planning. All aspects of the client’s financial affairs are reviewed. Realistic and measurable goals are set and objectives to reach those goals are defined. As goals and objectives change over time, suggestions are made and implemented on an ongoing basis. The scope of work and fee for Investment Management is provided to the client prior to the start of the relationship. Services may include: cash flow management; insurance review; investment management (including performance reporting); education planning; retirement planning; estate planning, as well as the implementation of recommendations within each area. The services provided on each client’s particular situation. The annual Investment Management fee is based on a percentage of the investable assets according to the following schedule: 1.00% on the first $1,000,000; 0.75% on the next $1,000,000 (from $1,000,001 to $2,000,000); and negotiated on the assets above $2,000,000. A different fee schedule for the fixed income component may be negotiated. This would result in the above schedule being applied to only the non-fixed income investment assets. The minimum annual fee is $3,000 and is negotiable at Hilton Head Financial Advisors, Inc.’s discretion. If the client does not have $300,000 in investable assets, Investment Management services will be billed at the hourly rate - $275.00/hour ($30.00/hour for clerical support). Current client relationships may exist where the fees are higher or lower than the fee schedule above. Although the Investment Management relationship is ongoing and constant adjustments are required, the length of service to the client is at the client’s discretion. The client or the investment manager may terminate an Agreement by written notice to the other party. At termination, fees will be billed on a pro rata basis for the portion of the quarter completed. Hourly Planning Engagements Hilton Head Financial Advisors, Inc. provides hourly planning services for clients who need advice on a limited scope of work. The hourly rate for limited scope engagements is $275.00 ($30.00/hour for clerical support). Asset Management Assets are invested primarily in no-load or low-load mutual funds and exchange- traded funds, equities and bonds usually through discount brokers. Fund companies charge each fund shareholder an investment management fee that is disclosed in the fund prospectus. Discount brokerages may charge a transaction fee for the purchase of some funds. Stocks and bonds may be purchased or sold through a brokerage account when appropriate. The brokerage firm charges a fee for stock and bond trades. Hilton Head Financial Advisors, Inc. does not receive any compensation, in any form, from fund companies or brokers. Investments may also include: equities (stocks), warrants, corporate debt securities, commercial paper, certificates of deposit, municipal securities, investment company securities (variable life insurance, variable annuities, and mutual funds shares), U. S. government securities, options contracts, futures contracts, and interests in partnerships. Termination of Agreement A Client may terminate any of the aforementioned agreements at any time by notifying Hilton Head Financial Advisor, Inc. in writing and paying the rate for the time spent on the engagement prior to notification of termination. Hilton Head Financial Advisors, Inc. may terminate any of the aforementioned agreements at any time by notifying the client in writing.